Portfolio of bank acquisition and minority-investment opportunities across the UK, Baltics and broader CEE — all regulated, revenue-generating and available
- Valters Gencs
- Nov 5, 2025
- 2 min read
Bank Investment Portfolio
A curated portfolio of bank acquisition and minority-investment opportunities across the UK, Baltics and broader CEE — all regulated, revenue-generating and available for immediate diligence under NDA. Contact Valters Gencs for exclusive access and financial packages.
Valters Gencs — VG Advisors WhatsApp / Telegram: +371-29265441 Email: info@gencs.eu Web: vgfintechadvisors.com | fintechadvisors.co.uk
Portfolio summary (all options)
1) €250M Acquisition — Licensed Consumer Finance Bank (Baltics + CEE)
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Asking price: €250,000,000 (100% equity)
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FY 2024 Revenue: €80,000,000
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Highlights: Full EU banking licence (passportable), operations in Estonia/Latvia/Lithuania, Poland & Czech Republic; scalable digital lending platform.
2) Two-Bank Acquisition Package — UK & Northern Europe
UK (Public bank listed LSE)
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Indicative purchase value: ~£300,000,000
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Customer deposits: >£1,000,000,000
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Government-backed assets: £350,000,000 supporting loan book
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Annual profit: ~£50,000,000
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Financing required (approx): £300,000,000 for near-100% acquisition
Northern European (Baltics)
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Price: €250,000,000
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Includes: €100,000,000 cash
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Loan & deposit volume: ~€1,000,000,000
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EBITDA: €35,000,000/year
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Interest mark-up: 11–12%
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Valuation: ~4.2x EBITDA
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Strategic note: Cross-jurisdiction consolidation or relocation options (EU → UK) available.
3) Exceptional UK SME & Asset-Lending Bank — Minority or Full stake
A. Large variant Revenue: €115,000,000
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EBITDA: €45,000,000 (39% margin)
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Core: SME & property lending, proprietary fintech platform
B. Minority stake listing
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Revenue (minority listing): €6,000,000
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Use case: Minority share access to licensed UK bank with scale-up potential
C. UK SME Bank for sale (100 per cent, 55 mil GBP)
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Revenue: £25,000,000
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EBITDA: £2,500,000 (10% margin)
D. Large UK SME Investment ask
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Revenue: £100,000,000+ (loan book £500,000,000)
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Profit: £4,000,000
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Investment sought: £50–70 million
F. Top 5 tier bank - 7 billion GBP
4) Strategic Acquisition — Eastern European SME Lending Bank
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Price: €26,000,000
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Revenue (2024, unaudited): €14,000,000
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Loan book: €124,000,000 (72% guaranteed/insured)
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Capital adequacy: 47%
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Average loan size: ~€470,000
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Lending rates: 8–9%
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Deposit base: Germany, Spain, Netherlands (expansion ready)
Why invest (combined rationale)
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Immediate regulated entry to UK/EU banking markets (PRA/FCA/ECB credentials)
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High interest margins and visible EBITDA on multiple assets
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Options ranging from minority stakes to full acquisitions (€26M → €250M+)
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Fast-track relocation / consolidation strategies for regulatory optimization
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Clean regulatory standing and attractive exit optionality (strategic sale / IPO)
Next steps
1.Serious inquiries: NDA required for full data room access.
Contact Valters Gencs (details above) to receive detailed financials and arrange management meetings / site diligence
